What’s covered by your insurance policy:

In-car equipment (such as a radio or CD player) permanently fitted or supplied with the car as standard

Adaptations and modifications which are needed and which Motability have agreed to and which RSAM have been informed about

Any accessories or tools supplied with the car

Replacement locks where keys have been stolen and the theft reported to the police

Driving your car for voluntary or charitable work, provided you don’t receive a fixed regular payment by the organisation

Travel to and from your normal workplace

Personal accident cover

In the event of an accident which causes death, loss of limbs and/or permanent loss of sight in one or both eyes, cover is provided up to a limit of £5000 (per person) for the driver and any passengers.

For more information please contact RSAM on 0500 37 37 37

Driving abroad

Under the terms of your insurance cover, you can take your car abroad within the European Union (EU) and to Iceland, Norway, Switzerland and Liechtenstein free of charge for up to 90 days in any 12-month period.

What’s not covered in your insurance policy:

Your excess (amount payable by you)

This is usually £75 but may vary depending on the age and experience of the driver. Details are given in your agreement and in your insurance policy document. If your car needs to be repaired you must pay the excess for each individual incident before the repair starts.

Loss of keys

You must pay the cost of any replacement keys and in some circumstances replacement locks.

Personal belongings

You will need to arrange your own insurance cover for personal items such as wheelchairs, coats and mobile phones. One option is to extend your household insurance cover.

Non-standard equipment or modifications

This means any optional extras, audio or other equipment fitted to the car, which are not essential to enable you to use the vehicle. If you have fitted essential equipment without the agreement of Motability and RSAM, this will not be covered.

Damage to the interior of the car

Damage to the interior including rips, stains and burns to the trim, are not covered and may need to be repaired at your own cost. You do not need to make any repairs to damage which is within fair wear and tear .

Driving other cars

You are not covered to drive any other vehicle unless it has been provided or approved by Motability.

Unauthorised and uninsured drivers

Only the named drivers shown on your Certificate of Motor Insurance are covered to drive. Other drivers, not on the certificate, are not allowed to drive your car. Even if they have fully comprehensive insurance which provides cover to drive other cars, they are not covered to drive your car. You may be held responsible for any loss or damage that occurs when someone not named on the policy is driving. Also, you may not be able to lease another car through Motability.

You can change your named drivers at any time, as many times as you want to.

Other benefits

No-claims discounts

Motability does not use no-claims discounts. But RSAM can provide a letter confirming your Motability claims history if needed. You can request this by calling RSAM on 0500 37 37 37.

Loss of use benefit

If you are unable to drive your car after loss or damage, we would aim to provide you with a courtesy car . If a courtesy car is not suitable for your needs, you may be able to claim for ‘loss of use’ benefits, excluding the first week.

Uninsured loss recovery

If you are involved in an accident caused by someone else, and they have been identified, RSAM will try to recover your ‘uninsured losses’ from them. This means any items that are not covered by your insurance, for example: your excess, injuries and taxi fares. If you are injured, RSAM will appoint solicitors to act for you.

Recovery of uninsured losses can take a long time and is not always possible. You may also need to provide proof of your losses.

Business use cover

Travel to and from your normal workplace is included in your insurance cover. If you need to use the car for business purposes, other than the journey to your usual workplace, you can arrange business use cover for most occupations. Business use cover will not begin until you receive a new, current Certificate of Motor Insurance showing this cover.

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Related FAQs

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Do I get any 'no claims' bonus at the end of my lease?

As the car is owned by Motability Operations, you will not have accrued any personal no-claims bonus. However, if you leave the Scheme, RSA Motability (RSAM) may be able to provide a claims letter which you can send to your new insurer as proof of your history. You can request this by calling RSAM on 0500 37 37 37.

I have a number of carers, can they all drive the car?

The Motability all-inclusive leasing package includes two drivers, with a third able to be added at an additional cost. If you would like to add or change drivers, please contact RSA Motability .To accommodate those with many different carers who may change regularly, it may be possible to have multiple drivers on the insurance (an Open Policy). For further details, please contact RSA Motability. Documentary evidence or copies of driving licences may be required. All drivers must meet the Scheme's insurance eligibility criteria throughout the life of the policy.

Who can I put on the insurance?

Our worry-free package includes insurance for up to two drivers , these can be yourself, friends, relatives or carers. You can also add a third driver for an additional cost. All proposed drivers will be subject to Motability’s policies on who can drive your car and must also meet RSA Motability's (RSAM) eligibility criteria regardless of whether they are added at application or during your lease.

We will only accept drivers who have a legally valid driving licence. Drivers with a non-UK driving licence will be subject to additional checks.

Only drivers listed as permitted drivers on the Certificate of Motor Insurance are insured to drive your Motability car. Remember, the car must be used by, or for the benefit of, the disabled person. This does not mean that the disabled person needs to be in the car for every journey. In practice, this means other named drivers in the household can use the car for shopping and other routine activities, as long as the disabled person will benefit. More about the use of your Motability car .

Are there any limits to the Insurance Groups of a car I can apply for?

The Association of British Insurers (ABI) grade vehicles on a scale of 1 to 50. From 1 January 2012, drivers aged under 25 are restricted to cars with an ABI Insurance Group 16 or lower and with a power output of 115 brake horsepower or less.

If you ordered your car before 1 January 2012 and you currently have drivers aged under 25, as long as they remain named on your Certificate of Motor Insurance, they can continue to drive your current car for the remainder of your lease. More information on who can drive your car

What information do I need to give to add a driver?

To add a driver to the insurance, you should contact RSA Motability (RSAM) with the details of the proposed driver, including:

Date of birth

Driving licence number

Details of driving history (motoring convictions/claims)

We will only accept drivers who have a legally valid driving licence. Drivers with a non-UK driving licence will be subject to additional checks.

In addition, any proposed (non-temporary) drivers must be able to speak to RSAM when you call so they can give consent for their details to be checked with the DVLA. All proposed drivers will be subject to Motability’s policies on who can drive your car and must also meet RSAM’s eligibility criteria regardless of whether they are added at application or during your lease.

My proposed driver has been disqualified in the past, can they be put on the policy?

If any driver has been disqualified from driving for more than 30 days within the last five years they will not be eligible to drive on a RSA Motability policy.The driver will only be eligible when five years has passed from the date of conviction shown on the driving licence. Any other convictions incurred within the five years will also be taken into account. RSA Motability should be informed of any changes to the details of the permitted drivers and their licences immediately. Failure to do so could invalidate your insurance cover. If you have any changes to notify or are unsure if something needs to be notified you should contact RSA Motability immediately to discuss

What restrictions are there for young drivers coming onto the scheme?

Only one named driver under 21 is permitted on your Motability Insurance. This could be the disabled customer, or another driver living at the same address. Unless they are the customer, drivers under 21 must hold a full driving licence. In addition, drivers aged under 25 are restricted to cars with an ABI Insurance Group 16 or lower and with a power output of 115 brake horsepower or less. For further information you can also contact RSA Motability.

I've been involved in an accident, what should I do?

If you have been involved in an accident , you should contact RSA Motability to register a claim (even if there has been no damage). They will advise you whether or not repairs need to be carried out and where to take the car, or if any further action is needed.